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Rhinebeck Bank Rates & Review November 2026

Q: What are the current interest rates at Rhinebeck Bank?

Current rates for Rhinebeck Bank include: 12-Month CD: 2.27%, 18-Month CD: 4.30%, 24-Month CD: 4.40%, 36-Month CD: 1.89%, 48-Month CD: 1.89%, 60-Month CD: 1.89%, Savings: 0.35%, MMA: 2.00%

Q: What CD terms does Rhinebeck Bank offer?

Rhinebeck Bank CD rates are 1.61% APY for a 3 month CD, 2.27% APY for a 12 month CD, 4.30% APY for an 18 month CD, 4.40% APY for a 2 year CD, 1.89% APY for a 3 year CD, 1.89% APY for a 4 year CD and 1.89% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Rhinebeck Bank for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: November 5, 2026

Rhinebeck Bank's 12-Month CD rates are at 2.27%, 3-Year CD rates are at 1.89%, 4-Year CD rates are at 1.89%, 5-Year CD rates are at 1.89%, 3-Month CD rates are at 1.61%. Rhinebeck Bank's savings rates are at 0.35%. Rhinebeck Bank's money market rates are at 2.00%. Rhinebeck Bank's checking rates are as high as 0.20%. Rhinebeck Bank's Personal Loan Rates are as low as 9.50%. Rhinebeck Bank's top CD rate of 4.40% APY on a 2 year CD is 50% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A+ health rating. MonitorBankRates evaluates the financial stability of Rhinebeck Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.51%. Rates last updated and verified on 11/05/2026.

Rhinebeck Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Rhinebeck Bank? Share your experience about Rhinebeck Bank by leaving a review below, or read customer reviews before you decide to use Rhinebeck Bank.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.51%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Rhinebeck Bank

6414 Montgomery St
Rhinebeck, NY 12572

https://www.rhinebeckbank.com

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Rhinebeck Bank CD Rates

Product	Rate	APY	Term	Min. Deposit
2-Year CD - Promo	4.31%	4.40%	2 years	$2,000
Min Deposit $2,000 Min Balance $2,000 Details Promotional product, can be discontinued at any time; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 4.40% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
18-Month CD - Promo	4.22%	4.30%	18 months	$2,000
Min Deposit $2,000 Min Balance $2,000 Details Promotional product, can be discontinued at any time; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 4.30% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
13-Month CD - Promo	3.93%	4.00%	13 months	$2,000
Min Deposit $2,000 Min Balance $2,000 Details Promotional product, can be discontinued at any time; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 4.00% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
7-Month CD - Promo	3.64%	3.70%	7 months	$2,000
Min Deposit $2,000 Min Balance $2,000 Details Promotional product, can be discontinued at any time; Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 3.70% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
12-Month CD	2.25%	2.27%	12 months	$2,000
Min Deposit $2,000 Min Balance $2,000 Details Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 2.27% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
3-Year CD	1.87%	1.89%	3 years	$2,000
Min Deposit $2,000 Min Balance $2,000 Details Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 1.89% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
4-Year CD	1.87%	1.89%	4 years	$2,000
Min Deposit $2,000 Min Balance $2,000 Details Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 1.89% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
5-Year CD	1.87%	1.89%	5 years	$2,000
Min Deposit $2,000 Min Balance $2,000 Details Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 1.89% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
3-Month CD	1.60%	1.61%	3 months	$2,000
Min Deposit $2,000 Min Balance $2,000 Details Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 1.61% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
6-Month CD	1.60%	1.61%	6 months	$2,000
Min Deposit $2,000 Min Balance $2,000 Details Early withdrawal penalty may apply Last Updated 11/05/2026 Rate History No change since Sep 24, 2026 · 1.61% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

Rhinebeck Bank Savings Rates

Product	Rate	APY
Classic Savings	0.35%	0.35%
Min Deposit $25 Min Balance $250,000 Details Qualifications Required; Balance: $250,000 or more Last Updated 11/05/2026 Rate History No change since Sep 9, 2026 · 0.35% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Classic Savings	0.30%	0.30%
Min Deposit $25 Min Balance $100,000 Details Qualifications Required; Balance: $100,000 - $249,999.99 Last Updated 11/05/2026 Rate History No change since Sep 9, 2026 · 0.30% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Classic Savings	0.25%	0.25%
Min Deposit $25 Min Balance $50,000 Details Qualifications Required; Balance: $50,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Classic Savings	0.20%	0.20%
Min Deposit $25 Min Balance $10,000 Details Qualifications Required; Balance: $10,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Classic Savings	0.15%	0.15%
Min Deposit $25 Min Balance $0 Details Qualifications Required; Balance: $0.01 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

Rhinebeck Bank Business Savings Rates

Product	Rate	APY
Business Savings	0.35%	0.35%
Min Deposit $100 Min Balance $250,000 Details Balance: $250,000 or more Last Updated 11/05/2026 Rate History No change since Sep 9, 2026 · 0.35% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	0.30%	0.30%
Min Deposit $100 Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 11/05/2026 Rate History No change since Sep 9, 2026 · 0.30% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	0.25%	0.25%
Min Deposit $100 Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.25% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	0.20%	0.20%
Min Deposit $100 Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.20% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Business Savings	0.15%	0.15%
Min Deposit $100 Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.15% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

Rhinebeck Bank Money Market Rates

Product	Rate	APY
Money Market	1.98%	2.00%
Min Deposit $1,000 Min Balance $10,000,000 Details Qualifications Required; Balance: $10,000,000 or more; $20 monthly fee waived with $10,000 minimum end-of-day balance Last Updated 11/05/2026 Rate History No change since Sep 9, 2026 · 2.00% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	1.75%	1.76%
Min Deposit $1,000 Min Balance $5,000,000 Details Qualifications Required; Balance: $5,000,000 - $9,999,999.99; $20 monthly fee waived with $10,000 minimum end-of-day balance Last Updated 11/05/2026 Rate History No change since Sep 9, 2026 · 1.76% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	1.50%	1.51%
Min Deposit $1,000 Min Balance $2,000,000 Details Qualifications Required; Balance: $2,000,000 - $4,999,999.99; $20 monthly fee waived with $10,000 minimum end-of-day balance Last Updated 11/05/2026 Rate History No change since Sep 9, 2026 · 1.51% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	1.15%	1.16%
Min Deposit $1,000 Min Balance $1,000,000 Details Qualifications Required; Balance: $1,000,000 - $1,999,999.99; $20 monthly fee waived with $10,000 minimum end-of-day balance Last Updated 11/05/2026 Rate History No change since Sep 9, 2026 · 1.16% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	1.00%	1.00%
Min Deposit $1,000 Min Balance $100,000 Details Qualifications Required; Balance: $100,000 - $499,999.99; $20 monthly fee waived with $10,000 minimum end-of-day balance Last Updated 11/05/2026 Rate History No change since Sep 9, 2026 · 1.00% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	1.00%	1.00%
Min Deposit $1,000 Min Balance $500,000 Details Qualifications Required; Balance: $500,000 - $999,999.99; $20 monthly fee waived with $10,000 minimum end-of-day balance Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 1.00% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Money Market	0.50%	0.50%
Min Deposit $1,000 Min Balance $0 Details Qualifications Required; Balance: $0.01 - $99,999.99; $20 monthly fee waived with $10,000 minimum end-of-day balance Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

Rhinebeck Bank Business Money Market Rates

Product	Rate	APY
Priority Business Money Market	1.98%	2.00%
Min Deposit $1,000 Min Balance $10,000,000 Details Qualifications Required; Balance: $10,000,000 or more; $20 monthly fee waived with $10,000 minimum end-of-day balance Last Updated 11/05/2026 Rate History No change since Sep 9, 2026 · 2.00% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Priority Business Money Market	1.75%	1.76%
Min Deposit $1,000 Min Balance $5,000,000 Details Qualifications Required; Balance: $5,000,000 - $9,999,999.99; $20 monthly fee waived with $10,000 minimum end-of-day balance Last Updated 11/05/2026 Rate History No change since Sep 9, 2026 · 1.76% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Priority Business Money Market	1.50%	1.51%
Min Deposit $1,000 Min Balance $2,000,000 Details Qualifications Required; Balance: $2,000,000 - $4,999,999.99; $20 monthly fee waived with $10,000 minimum end-of-day balance Last Updated 11/05/2026 Rate History No change since Sep 9, 2026 · 1.51% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Priority Business Money Market	1.15%	1.16%
Min Deposit $1,000 Min Balance $1,000,000 Details Qualifications Required; Balance: $1,000,000 - $1,999,999.99; $20 monthly fee waived with $10,000 minimum end-of-day balance Last Updated 11/05/2026 Rate History No change since Sep 9, 2026 · 1.16% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Priority Business Money Market	1.00%	1.00%
Min Deposit $1,000 Min Balance $100,000 Details Qualifications Required; Balance: $100,000 - $499,999.99; $20 monthly fee waived with $10,000 minimum end-of-day balance Last Updated 11/05/2026 Rate History No change since Sep 9, 2026 · 1.00% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Priority Business Money Market	1.00%	1.00%
Min Deposit $1,000 Min Balance $500,000 Details Qualifications Required; Balance: $500,000 - $999,999.99; $20 monthly fee waived with $10,000 minimum end-of-day balance Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 1.00% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Priority Business Money Market	0.50%	0.50%
Min Deposit $1,000 Min Balance $0 Details Qualifications Required; Balance: $0.01 - $99,999.99; $20 monthly fee waived with $10,000 minimum end-of-day balance Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.50% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

Rhinebeck Bank Checking Rates

Product	Rate	APY
Community Checking	0.20%	0.20%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 11/05/2026 Rate History No change since Sep 9, 2026 · 0.20% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Community Checking	0.20%	0.20%
Min Balance $1,000,000 Details Balance: $1,000,000 or more Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Community Checking	0.15%	0.15%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Sep 9, 2026 · 0.15% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Community Checking	0.12%	0.12%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 11/05/2026 Rate History No change since Sep 9, 2026 · 0.12% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Community Checking	0.10%	0.10%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Community Checking	0.08%	0.08%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.08% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Community Checking	0.05%	0.05%
Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

Rhinebeck Bank Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan - Model Years 2024 and newer	-	-	5.84%	60 months
Details Term: Up to a 60-month term; As Low As; Model Years 2024 and newer Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 5.84% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Auto Loan - Model Years 2024 and newer	-	-	6.04%	72 months
Details Term: Up to a 72-month term; As Low As; Model Years 2024 and newer Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.04% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Auto Loan - Model Years 2021 and older	-	-	6.24%	60 months
Details Term: Up to a 60-month term; As Low As; Model Years 2021 and older; as low as 6.24% for up to 5 years Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Auto Loan - Model Years 2022 - 2023	-	-	6.24%	60 months
Details Term: Up to a 60-month term; As Low As; Model Years 2022 - 2023 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.24% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Auto Loan - Model Years 2022 - 2023	-	-	6.34%	72 months
Details Term: Up to a 72-month term; As Low As; Model Years 2022 - 2023 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.34% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Auto Loan - Model Years 2024 and newer	-	-	6.74%	84 months
Details Term: Up to a 84-month term; As Low As; Model Years 2024 and newer Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.74% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
Auto Loan - Model Years 2022 - 2023	-	-	6.94%	84 months
Details Term: Up to a 84-month term; As Low As; Model Years 2022 - 2023 Last Updated 11/05/2026 Rate History No change since Oct 20, 2026 · 6.94% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

Rhinebeck Bank Personal Loan Rates

Product	APR	Term	View More
Personal Unsecured Loan	9.50%	60 months
No additional details. Last Updated 11/05/2026 Rate History No change since Sep 9, 2026 · 9.50% APR · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

Rhinebeck Bank Other Rates

Product	Rate	Points	APY/APR	Term
Priority Plus Credit Loan	15.99%	-	15.99%	Revolving
Last Updated 11/05/2026 Rate History No change since Sep 9, 2026 · 15.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
IOLA	0.05%	-	0.05%
Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
IOLA	0.08%	-	0.08%
Min Balance $10,000 Details Balance: $10,000 - $49,999.99 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.08% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
IOLA	0.10%	-	0.10%
Min Balance $50,000 Details Balance: $50,000 - $99,999.99 Last Updated 11/05/2026 Rate History No change since Sep 27, 2026 · 0.10% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
IOLA	0.12%	-	0.12%
Min Balance $100,000 Details Balance: $100,000 - $249,999.99 Last Updated 11/05/2026 Rate History No change since Sep 9, 2026 · 0.12% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
IOLA	0.15%	-	0.15%
Min Balance $250,000 Details Balance: $250,000 - $499,999.99 Last Updated 11/05/2026 Rate History No change since Sep 9, 2026 · 0.15% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
IOLA	0.20%	-	0.20%
Min Balance $500,000 Details Balance: $500,000 - $999,999.99 Last Updated 11/05/2026 Rate History No change since Sep 9, 2026 · 0.20% APY · checked 13 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%
IOLA	0.20%	-	0.20%
Min Balance $1,000,000 Details Balance: $1,000,000 or more Last Updated 11/05/2026 Rate History No change since Sep 19, 2026 · 0.20% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.51%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Rhinebeck Bank’s Texas Ratio fell from 4.81% in Q3 2023 to 2.51% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this bank’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.5B	2.51%	5.0	A+
March 31, 2026	$1.3B	2.62%	5.0	A+
December 31, 2025	$1.3B	2.84%	5.0	A+
September 30, 2025	$1.3B	2.83%	5.0	A+
June 30, 2025	$1.3B	2.25%	5.0	A+
March 31, 2025	$1.3B	2.90%	5.0	A+
December 31, 2024	$1.3B	3.54%	5.0	A+
September 30, 2024	$1.3B	4.00%	5.0	A+
June 30, 2024	$1.3B	3.78%	5.0	A+
March 31, 2024	$1.3B	4.23%	5.0	A+
December 31, 2023	$1.3B	3.94%	5.0	A+
September 30, 2023	$1.3B	4.81%	5.0	A+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Rhinebeck Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Rhinebeck Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Rhinebeck Bank's official website for the most current offers and terms.

Bank Profile & Overview

Bank Name Rhinebeck Bank

Website https://www.rhinebeckbank.com

Address 6414 Montgomery St, Rhinebeck, NY 12572 · Dutchess

Bank Holding Company RHINEBECK BCORP MHC

FDIC Certificate # 16032

Regulator FDIC

Established April 12, 1860

FDIC Insurance Date July 1, 1943

Domestic Offices 15

Total Branches 15

FDIC Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.51%

National Average Texas Ratio

5.85%

Return on Assets (ROA)

0.8173%

Return on Equity (ROE)

8.1100%

Non-Performing Loans Ratio (NPL)

0.24%

Total Assets

$1,469,845,000

Total Deposits

$1,302,856,000

Equity Capital

$138,883,000

Net Income

$5,525,000

Headquarters

Rhinebeck

Total Branches and Offices

Source: FDIC — Last Updated June 30, 2026

2026 MBR Health & Safety Badge

Rhinebeck Bank earned the Verified Healthy badge

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Customer Reviews

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Frequently Asked Questions About Rhinebeck Bank

Does Rhinebeck Bank offer CDs?

Yes. Rhinebeck Bank current CD rates include its 12-Month CD at 2.27% APY, its 3-Year CD at 1.89% APY and its 4-Year CD at 1.89% APY, verified by MonitorBankRates as of November 5, 2026.

Are CDs from Rhinebeck Bank FDIC insured?

Yes. Rhinebeck Bank is insured by the Federal Deposit Insurance Corporation (FDIC), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at Rhinebeck Bank?

The highest Rhinebeck Bank CD rate is its 2-Year CD - Promo at 4.40% APY, verified by MonitorBankRates as of November 5, 2026.

What CD terms does Rhinebeck Bank offer?

Rhinebeck Bank CD rates are 1.61% APY for a 3 month CD, 2.27% APY for a 12 month CD, 4.30% APY for an 18 month CD, 4.40% APY for a 2 year CD, 1.89% APY for a 3 year CD, 1.89% APY for a 4 year CD and 1.89% APY for a 5 year CD, verified by MonitorBankRates as of November 5, 2026. The institution may offer other terms or specials that are not listed here, so check with Rhinebeck Bank for its full lineup.

What is the highest savings rate at Rhinebeck Bank?

The highest Rhinebeck Bank savings rate is its Business Savings at 0.35% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest money market rate at Rhinebeck Bank?

The highest Rhinebeck Bank money market rate is its Money Market at 2.00% APY, verified by MonitorBankRates as of November 5, 2026.

What is the highest checking rate at Rhinebeck Bank?

The highest Rhinebeck Bank checking rate is its Community Checking at 0.20% APY, verified by MonitorBankRates as of November 5, 2026.

What is the lowest auto loan rate at Rhinebeck Bank?

The lowest Rhinebeck Bank auto loan rate is its Auto Loan - Model Years 2024 and newer at 5.84% APR, verified by MonitorBankRates as of November 5, 2026.

What is the lowest personal loan rate at Rhinebeck Bank?

The lowest Rhinebeck Bank personal loan rate is its Personal Unsecured Loan at 9.50%, verified by MonitorBankRates as of November 5, 2026.

How many branches does Rhinebeck Bank operate?

Rhinebeck Bank currently maintains approximately 15 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Rhinebeck Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Rhinebeck Bank provides members with tools to manage their accounts and build a solid financial history.

Does Rhinebeck Bank offer online and mobile banking?

Most modern institutions like Rhinebeck Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.rhinebeckbank.com.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership or an existing account, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do Rhinebeck Bank rates compare?

Rhinebeck Bank's top CD rate of 4.40% APY on a 2 year CD is 50% higher than the MonitorBankRates national average of 2.94% APY for that term, and it has an A+ health rating. Rhinebeck Bank's top rates are its 2 years 2-Year CD - Promo at 4.40% APY, its Business Savings at 0.35% APY, its Money Market at 2.00% APY, its Community Checking at 0.20% APY and its Personal Unsecured Loan at 9.50% APR, verified by MonitorBankRates on November 5, 2026.

Current Rhinebeck Bank Rates

12-Month CD2.27%
18-Month CD4.30%
24-Month CD4.40%
36-Month CD1.89%
48-Month CD1.89%
60-Month CD1.89%
Savings0.35%
MMA2.00%

Retrieved from our database of financial products. Rates subject to change.

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Rhinebeck Bank Rates & Review November 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Rhinebeck Bank Texas Ratio

Rhinebeck Bank Health Trend

Rhinebeck Bank CD Rates

Rhinebeck Bank Savings Rates

Rhinebeck Bank Business Savings Rates

Rhinebeck Bank Money Market Rates

Rhinebeck Bank Business Money Market Rates

Rhinebeck Bank Checking Rates

Rhinebeck Bank Auto Loan Rates

Rhinebeck Bank Personal Loan Rates

Rhinebeck Bank Other Rates

Financial Health History

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Bank Profile & Overview

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Frequently Asked Questions About Rhinebeck Bank

Does Rhinebeck Bank offer CDs?

Are CDs from Rhinebeck Bank FDIC insured?

What is the highest CD rate at Rhinebeck Bank?

What CD terms does Rhinebeck Bank offer?

What is the highest savings rate at Rhinebeck Bank?

What is the highest money market rate at Rhinebeck Bank?

What is the highest checking rate at Rhinebeck Bank?

What is the lowest auto loan rate at Rhinebeck Bank?

What is the lowest personal loan rate at Rhinebeck Bank?

How many branches does Rhinebeck Bank operate?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Rhinebeck Bank offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do Rhinebeck Bank rates compare?

Current Rhinebeck Bank Rates

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